Brunswick Bank and Trust Company in New Brunswick, New Jersey (NJ)



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Brunswick Bank and Trust Company routing number info

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Brunswick Bank and Trust Company
GeneralFDIC Certificate #: 20220
Status: Active
Federal Reserve ID: 463203
Bank Holding Company (Regulatory Top Holder): Brunswick Bancorp (RSSDID: 1136344, Location: New Brunswick, NJ)
Date Established: July 27, 1970
WWW: http://www.brunswickbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
FDIC's unique #: 13902
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: July 27, 1970
Last Structure Change Effective Date: Febuary 15, 2012
Last Structure Change Process Date: Febuary 15, 2012
Last Data Update: Febuary 15, 2012
Data Source Date: April 05, 2012
LocationAddress: 439 Livingston Avenue, New Brunswick, NJ 8901
County: Middlesex
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Jamesburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Middlesex-Somerset-Hunterdon, NJ (#5015)
Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70)
Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408)
Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620)
Core Based Statistical Division: Edison-New Brunswick, NJ (#20764)
Financial SummaryTotal assets: $140.0 mil
Equity capital: $25.2 mil
Deposits held in domestic offices: $114.4 mil
Return on assets (ROA): -1.37% (-$1.9 mil)
Quarterly return on assets: -6.92% (-$9.7 mil)
Return on Equity (ROE): -6.57% (-$1.6 mil)
Quarterly return on equity: -34.47% (-$8.6 mil)
Net income: -$1.8 mil
Quarterly Net income: -$2.3 mil
Pretax return on assets: -2.07% (-$2,897.5 mil)
Quarterly Pretax return on assets: -10.67% (-$14,935.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)43
Total assets$139,975
Cash and due from depository institutions$36,808
Interest-bearing balances$33,428
Securities$2,000
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$95,111
Loan loss allowance $2,361
Trading account assets$0
Bank premises and fixed assets$1,240
Other real estate owned$2,355
Goodwill and other intangibles$0
All other assets$2,461
Life insurance assets$139,975
Total liabilities and capital$114,781
Total liabilities$114,414
Total deposits$84,301
Interest-bearing deposits$114,414
Deposits held in domestic offices$72
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $367
All other liabilities $25,194
Total equity capital$25,194
Total bank equity capital$25,194
Perpetual preferred stock$0
Common stock$1,129
Surplus$1,416
Undivided profits $22,649
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $8,914
Earning assets $0
Long-term assets (5+ years) $421
Average Assets, year-to-date $130,539
Average Assets, quarterly $22,013
Volatile liabilities $128,524
Insider loans $131,092
FHLB advances $98,977
Loans and leases held for sale $144,391
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $24,722
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,231
Derivatives$16,361
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,468
Total interest expense $533
Net interest income $5,935
Provision for loan and lease losses $2,929
Total noninterest income $731
Fiduciary activities $0
Service charges on deposit accounts $444
Trading account gains & fees $0
Additional noninterest income $287
Total noninterest expense $6,402
Salaries and employee benefits $2,676
Premises and equipment expense $1,378
Additional noninterest expense $2,348
Pre-tax net operating income -$2,665
Securities gains (losses) $0
Applicable income taxes -$907
Income before extraordinary items -$1,758
Extraordinary gains - net $0
Net income attributable to bank -$1,758
Net charge-offs $0
Cash dividends -$1,758
Sale, conversion, retirement of capital stock, net $2,337
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.41%
Cost of funding earning assets 0.45%
Net interest margin 4.96%
Noninterest income to earning assets 0.61%
Noninterest expense to earning assets 5.35%
Net operating income to assets -1.37%
Return on assets (ROA) -1.37%
Pretax return on assets -2.07%
Return on equity (ROE) -6.57%
Retained earnings to average equity (YTD only) -6.57%
Net charge-offs to loans 2.49%
Credit loss provision to net charge-offs 125.33%
Efficiency ratio0.11%
Assets per employee$96,040
Cash dividends to net income (YTD only)3.26%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.42%
Noncurrent assets plus other real estate owned to assets 26.49%
Noncurrent loans to loans 8.05%
Net loans and leases to deposits9.15%
Net loans and leases to core deposits 83.13%
Equity capital to assets 90.25%
Core capital (leverage) ratio 18.00%
Tier 1 risk-based capital ratio 17.12%
Total risk-based capital ratio 24.98%
Memoranda
Average assets$26
Average earning assets$128,524
Average equity $26,756
Average loans $119,644
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7 New Jersey Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
013902Brunswick Bank And Trust Company439 Livingston Avenue, New Brunswick, NJ 8901July 27, 1970Full Service Brick and Mortar
27988New Brunswick Branch352 George Street, New Brunswick, NJ 8903March 17, 1902Full Service Brick and Mortar
4250519South Brunswick BranchMonmouth Junction Road & Kingston La, South Brunswick Township, NJ 8852September 17, 1977Full Service Brick and Mortar
5250520Freehold Township Branch444 West Main Street, Freehold Township, NJ 7728December 19, 1981Full Service Brick and Mortar
7250522North Brunswick Branch1060 Aaron Road, North Brunswick, NJ 8902June 15, 1990Full Service Brick and Mortar
9442626Monroe Township Branch249 Applegarth Road, Monroe Township, NJ 8831July 12, 2004Full Service Brick and Mortar
10521313Englishtown Branch14 Main Street, Englishtown, NJ 7726August 16, 2010Full Service Brick and Mortar
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